Find alternative ways to make money & save money!

The Holidays are almost here, and with the season comes the annual need to purchase food and presents for friends and family. For many, the holidays become a time to rely on credit cards to make purchases, but it’s not necessary to use plastic to fund winter activities. Other options exist, including layaway, yard sale and lowering consumption. Increasing the balance on your credit cards causes your score to decrease. Call us today for a free life-changing consultation at 1-866-997-6591.

 

Save TIME & MONEY during the HOLIDAYS!

f you really want to save money and time this holiday season, just say, “No.” Just walk away from the mall and use the time and money you gain to do all of the other important things you never get around to doing. If you feel like you’re getting bored and that hitting the sales will somehow cure that boredom, find another cure. (This also applies to time spent mindlessly surfing the Internet, checking for deals.) Sure, shopping is part of the holiday season, but the mindless trekking from store to store all day long “just to see what’s out there” is a waste of time. You could spend that time doing much more meaningful, fun, and important things.

Let us do the impossible! Call us today for your credit services today or refer us to your friends and family!

Charge it on the credit card!

Make a list and check it twice! it is that time of the year to do some holiday shopping! if you are paying with a credit card, remember that the more you owe on your credit card the higher your minimum payment will be, therefore, plan ahead! Have fun! Call us for a free consultation 1-866-997-6591.

Getting ready for the holidays?

IT'S THAT TIME AGAIN "HOLIDAY SHOPPING!!" This means every time you go to the register you will be asked if you would like to apply for a department store credit card! No matter how much it will save you 15, 20, 30% tell them "NO THANK YOU!!" Agreeing to allow them to see if you are approved will cause an inquiry on your credit which causes your scores to go down a few points. For additional information you may contact our office for a detailed credit analysis and consultation @ 1-866-997-6591.

Statute of Limitations

The "Statute of limitations", in regards to your credit profile, is the length of time a creditor or debt collector can take legal action against you. It is also the maximum length of time an adverse item can lawfully be reported on your credit report. This varies from state to state and averages 4-6 years. We highly recommend you familiarize yourself with the statute of limitations in your home state.

How to fix mistakes, inaccurancies in your credit report...

Hire a credit repair company. "You can do it yourself, yes, but you can also do your own plumbing, too."
                                                                                                                                            -Fisher

Reconsider Closing an Existing Credit Card Account!

Have you ever thought of ways to help improve your credit? The one solution you may of come up with was to close your credit card...DON'T!!!! Closing a credit card will not help increase your credit scores. Credit cards are a way of showing that you have a good credit mix (10%), positive payment history (35%), length of history (15%). Instead of closing your card, pay down the amounts owed (30%). Proportion of balances is very important. For additional information you may contact our office for a detailed credit analysis and consultation @ 1-866-997-6591.

Errors on Credit Reports

Did you know 25% of credit reports surveyed contained serious errors? The errors could result in the consumer being denied for credit . Errors consist of false delinquencies or accounts that do not belong to the consumer.

What does better credit get you?

Our clients do not enroll in a credit repair program just so they can say they have better credit; they want what better credit can get them.
Have you learned a friend or family member is paying less for their mortgage than you are paying in rent? Driving an unreliable car with a high car payment? Are you being denied a better job you are otherwise qualified for? For additional information you may contact our office for a free consultation @ 1-866-997-6591.

Inaccurate Personal Information

Did you know 54% of credit reports contained personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect. For additional information you may contact our office @ 1-866-997-6591.

 

Credit Scores

Your credit score is a number, calculated based on information in your credit report, that lenders use to assess the credit risk you pose and the interest rate they will offer you if they agree to lend you money.It may be a good idea to review your score if you anticipate applying for a major loan, in the next six months to a year. That allows time to bring your score up if you fear it's too low. For additional information you may contact our office at 1-866-997-6591.

Inquiries

"Inquiries" a HARD INQUIRY is when you initiate by filling out a credit application. SOFT INQUIRIES are from companies that want to send out promotional information to a prequalified group or current creditors monitoring your credit. Remember "Buffer Period" ignores inquiries within 45 days of getting a mortgage or car loan. It also counts two or more hard inquiries in the same 14 day period as one inquiry.

What does credit buy you?

Your credit score can impact many things in your life:

• Your ability to obtain the best interest rates for a home mortgage, or even to qualify for a mortgage at all
• Your ability to obtain a car loan, credit card or other type of revolving credit
• Your ability to obtain a small business loan
• Your ability to rent a place to live
• Your ability to obtain the best insurance rates

• Your ability to be hired for a job